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Home My WebLink About06-1374 Richard M, Squire & Associates, LLC By: Richard M, Squire, Esquire J.D. No, 04267 M. Troy Freedman, Esquire l.D, No. 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Vanderbilt Mortgage and Finance, Inc" v, DOCKET NO, ole. -/.3 7'-1 C; t.); t-r ~ CIVIL ACTION Scott M. Eberts 62 Tiffany Road Shippensburg, P A 17257 and Roberta Eberts a/k/a Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, ASSUMPSIT/REPLEVIN DEFENDANTS COMPLAINT - CIVIL ACTION NOTICE TO DEFEND NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you, You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim of relief requested by the plaintiff, You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service F:\Clients\Vanderbilt\Eberts\Complaint - Mobile I fame RepoJevised.wpdJC I Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 A VISO LE HAN DEMANDADO A USTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion, Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objecciones alas demandas en contra de su persona, Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus edades u otros derechos importantes para usted. LLEVE EST A DEMANDA A UN ABOGADO INMEDIA T AMENTE, Sl NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFlCIENTE DE PAGAR TAL SERVICIO VA Y A EN PERSONA o LLAME POR TELFONO A LA OFIC1NA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASlSTANCIA LEGAL. Lawyer Referral Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9t08 F:\Clients\Vanderbilt\Eberts\Complaint - Mobile Home Repo Jevised.wpdJC 1 Richard M, Squire & Associates, LLC By: Richard M, Squire, Esquire J.D. No, 04267 M, Troy Freedman, Esquire J.D. No, 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA Vanderbilt Mortgage and Finance, lnc" v, DOCKET NO. Oc... 1.3 7 'I ~-r.....- Scott M, Eberts 62 Tiffany Road Shippensburg, P A 17257 and Roberta Eberts a/kla Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, CIVIL ACTION ASSUMPSIT/REPLEVIN DEFENDANTS COMPLAINT Plaintiff, Vanderbilt Mortgage and Finance, Inc., by and through its undersigned attorney hereby submits the within Complaint. In support thereof, Plaintiff avers as follows: 1. Plaintiff, Vanderbilt Mortgage and Finance, Inc. ("Plaintiff'), is a corporation duly organized and existing under and pursuant to the laws of the State of Tennessee with its principal place of business at 500 Alcoa Trail, Maryville, TN 37804. 2. Defendant, Scott M, Eberts, is an adult individual residing and/or maintaining an address at 62 Tiffany Road, Shippensburg, PA 17257. 3. Defendant, Roberta Eberts a/kla Roberta Beth Eberts, is an adult individual residing and/or maintaining an address at 236 Bullshead Road, Newville, PA 17241 4. On or about July 21, 2000, Defendants executed a Manufactured Home Retail Installment Contract (hereinafter referred to as "Contract") pursuant to which Defendants expressly agreed to pay to Plaintiff the sum of$184,921.60 for a Manufactured (mobile) Home having Serial No. CY35912AB, A true and correct copy of the Contract is attached hereto as Exhibit "A" and made a part hereof. 5. Pursuant to Page I of the Contract, Defendants were obligated to tender and deliver to Plaintiff $497.56 per month for 360 consecutive months commencing August 15,2000. COUNT ONE - IN ASSUMPSIT (Vanderbilt Mortgage and Finance, Inc. v. Scott Eberts) 6. Plaintiff incorporates the foregoing paragraphs by reference as though more fully set forth at length herein. 7, Defendants defaulted under the terms of the Contract, specifically Page 3 thereof, by failing and/or refusing to tender and deliver to Plaintiff the aforesaid consecutive monthly payments. 8. In particular, Defendants failed and/or refused to tender and deliver to Plaintiff the aforesaid monthly payments from October 2005 through the present date. 9. Plaintiff, and/or its agents, has/have provided Defendants with written notice ofthe default. True and correct copies of such notice are collectively attached as Exhibit "B" and made a part hereof. 10, Despite being provided with written notice of default, as aforesaid, Defendants failed and/or refused to cure the default. 11. As a result of the uncured default under the Contract, Defendants are liable for Plaintiff's 2 costs and attorneys' fees pursuant to Page 3 thereof, 12. As of March 3, 2006, Defendants' outstanding balance is $60,357,38, calculated as follows: Total $57,483,21 $ 2.874,17 $60,357.38 Principal and Interest through 3/3/06 Attorneys' Fees 13, Interest shall continue to accrue until the Principal is paid in full. 14. Plaintiff has demanded the total amount due from Defendants, but Defendants have failed and/or refused to pay the same. 15. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 V.S.C. ~~1692 ET SEQ., AS ENACTED AND AMENDED, THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DEFENDANTS MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANTS DO SO IN WRITING WITHIN THIRTY (30) DAYS FROM THE DATE THIS PLEADING IS RECEIVED, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANTS WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANTS THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM ABOVE.. WHEREFORE, Plaintiff demands judgment in assumpsit be entered in its favor and against Defendant, Scott M, Eberts, for the sum of $60,357,38 plus addition pre-judgment per diem interest, additional post-judgment per diem interest, additional attorneys' fees, additional costs; for immediate possession of the Manufactured Home; for immediate ejectment of 3 Defendants; and for such other and further relief as the Court deems just and proper. COUNT TWO - IN REPLEVIN (Vanderbilt Mortgage and Finance, Inc. v. All Defendants) 16, Plaintiff incorporates the foregoing paragraphs by reference as though more fully set forth at length herein, 17, Under the terms of the Contract, Defendants expressly granted to Plaintiff, a security interest in the Manufactured Home, 18. The aforesaid security interest was perfected by Plaintiff by filing a Certificate of Title for a Vehicle with the Commonwealth of Pennsylvania, Department of Transportation. A true and correct copy of said Certificate of Title, evidencing Plaintiffs security interest, is attached hereto as Exhibit "c" and made a part hereof, 19, As stated above, Defendants have defaulted under the terms of the Contract by failing and/or refusing to tender and deliver the required consecutive monthly payments to Plaintiff 20, Page 3 of the Contract provides that in the event of default by Defendants, Plaintiff shall have the right to repossess the Manufactured Home; and to sell, lease or otherwise dispose of same as provided by law, WHEREFORE, Plaintiff demands that judgment in replevin be entered in its favor and against Defendants for immediate possession ofthe Manufactured Home; for immediate ejectment of Defendants; and for such other and further relief as the Court deems just and proper. COUNT THREE - POSSESSION/EJECTMENT (Vanderbilt Mortgage and Finance, Inc. v. All Defendants) 4 21, Plaintiff incorporates the foregoing paragraphs by reference as though more fully set forth at length herein, 22, Defendants are unjustifiably withholding possession of the Manufactured Home from Plaintiff. 23, Plaintiff is entitled to immediate possession and immediate enjoyment of the Manufactured Home, WHEREFORE, Plaintiff demands that judgment be entered in its favor and against Defendants for immediate possession of the Manufactured Home; for immediate ejectment of Defendants; and for such other and further relief as the Court deems just and proper. RICHARD M. SqUIRE & ASSOCIATES, LLC , 1 , By: t L . '",- --~ M, Troy Freed:an, ESqUire--- "---- 115 West Avenue, Suite 104 Jenkintown, PA 19046 215-886-8790 Attorneys for Plaintiff Date: March 9, 2006 5 Richard M, Squire & Associates, LLC By: Richard M, Squire, Esquire I.D. No, 04267 M, Troy Freedman, Esquire I.D, No. 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Vanderbilt Mortgage and Finance, Inc., v, DOCKET NO. Scott M. Eberts 62 Tiffany Road Shippensburg, P A 17257 and Roberta Eberts a/kla Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, CIVIL ACTION ASSUMPSITIREPLEVIN DEFENDANTS VERIFICATION M. Troy Freedman, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation, unless designated otherwise; that he is authorized to make this Verification, and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the infonnation through agents, and because he has personal knowledge of some ofthe facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, inforrnation and belief; and the source of his inforrnation is public records and reports of Plaintiffs agents, The undersigned understands that this statement herein is made subject to the penalties of 18 Pa,C,S,s4904 relating to unsworn falsification to authorities, ,^, ( /' /\ . V M, Troy Freedman, Esquire Attorney for Plaintiff Date: March 9, 2006 . . Exhibit "A" :---~ 2 .' ()95 (o-YJ.r.ft.. 1:) MANUFACTURED HOME Seller NIT ROCK HOMES INO Buyer EBERTS, SCOTT M , - 7860 MOLLY PITOHER HWY EBERTS, ROBERTA B RETAIL DIIST ALLMENT CONTRACT P8\1NSYLVANIA SHIPfB'tlSBURG. PA 17267 El2 TIFFANY DR No. '1 \.:;1.\ \00 SHIPPENSBURB, PA 17267 Date "We" and "us" mean the Seller above~ "You" and .your" mean oa~h Buyer above, its successors and assigns. and guarantor, seperately and together. T L G Ise SURES ~1)I1l!.1,J~_L FIIIJ~~.CE AMOUNT FINANCED TOTAL OF PAYMENTS TOTAL SALE PRICE PERCENTAGE CHARGE Tho amount of c",dtt The amount you wUI have The total cost of your RATE The dollar amount tha provided to you or paid when you haVe made purohase on credit. inoluding Tho cost of your credit oredlt will oost you. on your behalf. all soheduled payments. YOUf down payment as a yearly rate. of $ Geoft~OO 10.94 % . 126584.60 . 8253"1.00 . 17912:1..60 . 184921.60 PaYment Sohedule: Your oavment schedule will be Number of Payments Amoum of Payments When Payments Are Cue 380 497.56 Inm of each month begln....ng ~(J t ~ ~ t ~OO() Bnd oach month thOl88fter until paid In full. .) Seourity: You are giving 8 80curlty interest In the goods or property being purchased. o You are giving III security interest In the real property at 1M- Filing Fe...: $ SS.DO IXJ Lat'" Charge: If a payment is more than ,. days late, you wlll be chtlrged .....!t:l..2..!eer of $ &.00 or 2" of '!hili unollkl amount 01' d1e Installment Prepayment: "If. you payoff this Contract early ~ you will not have to pay a penalty. IXI If you payoff this Contract early. you will not be entitled to a refund of part of the Additional Financo Chargo. ASSUMPTION: Someone buyfog your Manufactured Home o may subject to conditions be .allowed to iii cannot assume this Contreot on rts original terms. Contract Provl8ions: You can see tho tenns of this Contract for any additional information about nonpayment. default. any required repayment bofore the soheduled date, and prepayment refunds and penoltles. "a" means an 6Stlmate BUYER RESTRICTIONS: If auyer does notmeat this Contract's obligations. Buyer may lose the property that Buyer bought in this sale. SECURITY: To secure your p.!llyment and performanoe under the tenns of this Contraot, you give us a security Interest In the Manufactured Home (as defined above) and~ unless prohibited by l.!lIw, all present and future accessIons to tho Manufaoturod Home (except that accessions will not include "household goods" 89 deflnod in the FTC Ctodit Practices Rule. 16 C.F.R. 444. If we do not finance the puronase of such household goods). If you do not meet your Col)tract a6iigations. you may los8 your house. and the real estate described in sny mortgage or deed of trust Uf any). "! '. . o This Contract Is also S8Cl1"ed by a separate mortgage or deed of trust dated ~ on real estate. as shown In the TRUTH IN LENDING DISCLOSURES. The te~" "Property" m~s all property sec~ring this Contract. CREDIT INSURANCE: Credit life, 01"_ dlsabRity (accident and health or accident and siakness)~ and any other insurance coveragCl quoted below, are not requlrCld to obtain credit and we will not provide them unless you sign and agree to pay the additional premium. If you want such insufance. we will obtain it for you (if you qualify for coverage). We are quoting below ONLY the ooverages you have chosen to purchase. Credit Life: Insured o Single 0 Joint Pram. $ Credit DiaablRty: Insured o Single 0 JoInt Pram. $: PROPERTY INSURANCE: You are required to insure the Property securing thIs Contraot with the foRowing minimUm property insuranoe coverage: $ 56744.96 Tenn You may purchase or provide the insur8nCfJ through any Insurance company that is reasonably acoeptable to us. If you get the '!:. Tann insurance from or through us you will pay $ , 2 mon1hs 36:2.00 for of coverage. Name of Insurance Company; Your signature bCllow means you want (only) the insurance coverage(s) quoted above. If none are quoted. you have deolined any coverages we offored. UebiRty InsUlllnce coverage for bodily InJury and/or ~ dam~ cauaecl to others 18 NOT Included In this Contract unles. checked and lndlCiltod below. ~~~~ 7/c1a"'~ ~::t!oJ -em d/o/b l Buyer Ma <(00 q~ 10 Buyer d/o/b Buyer d/o/b o The following liability insurance is included in this covecage: See h.urlll1C8 Doeuments d10/b PENNSYLVANIA MMlUFACTIJRED HOMERETAlLIN9TALlMENTCONTRACT . '\Q9111311nu.~ SVttemLlnc.. St. ctoud. MN Facm R9S1MHLAZ.pA 0.'22109 ~~ (ptJf1I1 !ofB} I r ITEMrzATION OF AMOUNT FINANCED Manufaotured Homo Price $ 57900.00 {inOluding sales t8)( of $ 0.00 l Buyer Protection/Sorvice Plan Paid to:- $ 1 . Ca.h Price $ S7900.00 . Manufaoiller's Rebate $ Cash Down Payment $ 5800.00 2. Subtotal $ 5800.00 Trade-In Allowanoe $ Less: Amount Owing $ To: 3. Net Trade-In $ 4. Total Down Payment (line 2 plus line 3) $ 5. Unpllld Balance of Cad! Prlce(l;n. 1 mlnu. IInOl 41 $ F.... Pofd to Othera: Paid to Publio Offiolels.Fnlng F..s Only Paid to Publrc Offfoill(s.Other then Filing Fe.. Insurance Premiums. {To: Pt'IYul0'8IDamaae (To: -0-0: Addillo"el Finance Charge{s) Paid to Seller $ To: Notarv &; Pr80 I Rn.need Pnta $' To: Rood RaDar! I U.C C $ To: $ To: $ To: TIre Tax $ To: $ e. Subtotal Uine B plus all FeM Paid to Others} $ &6744.96 7. PrepaId Flnmce Charges $ 4207.96 AmountFlnllftced mne 6 minus line 7) $ 62637.00 AnllllnceCh_ge :$ 1266B4.60 Tim. Belance $ 179],,21.60 .We may rmain or reCClive a port/on of this amount. SALE: You agree to purChase from UlJ' the manufactured home described below, together with the related seJVices, furnishings. DPpllanoes and 11coessaries listed below (together referred to as "Manufactured Home~). Your purchae8 of the Manufactured Home is subject to the terms of this Contract. "ContractW means this document and any separate document that secures this Contract. 5BOO.OO &2100.00 362.00 $ $ $ 362.00 6&.00 0.00 40202.96 2&.00 Q.cc Manufacturer Model Name & Number Year COMMODORE SK525A 2000 Sorial Number Length I Width I Color IXI New CY315812AB 00 20 o Used Servlcos. furnishings, appliances, and aooessorles Include: o Tires Rnd Wheels 0 Axles 0 Refrigerator o Oven/Range o Washer .0 Dryer o AlC UnitCs) o SkIrting 0 Awning(sl o AcceSSOry Shed o Smyle," IXJ Other 888 SUDDlamental Invoice Location of Manufaotured' Home after delivery to Buyer: 82 TIFFANY DR SHIPPENSBURQ. PA 17267 Description of Trade-In: . 101i18 8<o1l~....lJ,ot.'".' 11"o:l~ 8r Cloud. MN f_ "SSIMHLAZ-I'A 8122".0 I - 5l o BUYER PROTECTION1SBlVICE PlAN: With your purchase of thu Munufaotured Home, you have eleated to purchase the following optional buyer protection or servloe plan ("Aan~): whloh wIll bo In enevt from the date of tide contrlElot 500 the Aan documents for details. PROMISE TO PAY AND PA YMENT TERMS: You promlso to pay us the principul umount of $ 66744.96 , plus Interest on the UOpl3 id be/ancc at the rate{s) of, 9 . 99 per ye8l'" until the final soheduled payment date. Interest will begin to acorue thirty dlllvs Drlor to the nret scheduled DllIvment and will aocrue on a 360 day basrs. After tho final soheduled payment date, or after you default and We demand payment, we wll eam Interest on the unpaid prlnoipal balance at the rate of 9.99 96 per year. You agree to pay this Contract aooordlng to the payment schedule and late oharge provisions shown In the TRUTH IN LENDING DISCLOSURES. You also agree to pay any additional amounts aooordlng to the terms of Ihls Ccntraot. A IGte oharge, if provided in the TRUTH IN LENDING DISCLOSURES, wil be mposed only once on a late payment. A late ch.arge will not be oolleoted on the final scheduled payment, but interest will contInue to acorue at the appllcablo contract rato. o ADDITIONAL FINANCE CHARGE: You a~l!Ht to pay an additional, nonrefundable finance charge of $ that will be 0 paid in cash. 0 financed (see ITEMIZATION OF AMOUNT FINANCEDl. 0 paid ,proportlcnlllly with 8aoh payment. DOWN PAYMENT: You also ogree to pay, or apply to the Cash Price, on or bofQre today's dote, any oash, rebate end net trade-in v81ue described in the ITEMIZATION OF AMOUNT FINANCED. o ESCROW: You D may, but ere not required to 0 must pay certain expenses end fees from an escrow acccunt. If an escrow account Is established, It wll be governed by a separate agreement. GI:NERAL Ta:tMs: You agrel!J to purchase the Manufactured HOrTIo over time. The Total Sale Price shown in the TRUTH IN LENDING DISCLOSURES aS$lumes that oil payments will be made as soheduled. The actual amount you will pay may be more or less depending on your payment record. The law of Pennsylvania will govern this transaotion. It Is also governed by applicable federal law and regulations, Includfng too preemption of state usury laws. The federal Alternotive Mortgage Trensactions Parity Act may also apply. We do not intend to charge Of' collect any interest or fee that is more than tho applicable law allows. If we charge or collect any ClmoUlt over what the law allow!I, wo wUI apply the excess first to the prTnclpal balance, BOd we wll rofund any exoess if you have paid this Contract in full. You und<<stand ond agree that some payments to third parties as a part of this Contract may involve money retained by us or paid back to us 88 commissions or other remuneration. If anv provision of this Contract is not enforceable. this Contract will remain enforceabJe without such provision. If we agree with you to any exceptions to the promises or assurances in this printed Contraot, such agreement mU9t be in writing and signed by us. PREPAVMENT: YOU MAY PREPAY THIS CONTRACT IN FULL OR IN PART AT ANY TIME wrrHOUT PENALTY, My """is' prepayment will not excuse any later scheduled payments until you pay in full. You may obtai1 from us, or the insuranoe company named in your policy (or certificate of insurance), a refund of any unearned msuranoB premiums. ~ t{luv ~pl"'6/ I 54 ADDITIONAL SECURITY: You also assign to us and . give us a security Interest In prooeeds and premium refunds of any Insuranoe end servIce contracts purchased with this Contract. OWNERSHIP AND DUTIES TOWARD PROPERTY: By giving us a security Interest. real catate mortgage, or deed of trust In the Property. you agree to the following: A. You will defend Ollr interMt_ In the Property against claims made by anyone efse. You wDI do whatever '9 neoessary to keep our claim to the Property valid. B. The security interest you are giving us in the Property comes ahead of the claim of any other creditor. You lIIgree to srgn any additional doouments or provide us with any additional information we may r~ire to keep the priority of our olalm to the Property. You will not do anything to ohange our interost"in the Property. C. You will keep the Property in your possGulon in good condition end repair. You will use the Property for its Intended and lawful purposCJs. UnlesS otherwise agreed in writing, tho Manufactured Home will be IOiCated at the "location of Manufactured Home after delivery to Buyer" provided in this Contract. O. You will not try to sellar tral1sfer any rights in the Propertv without our prior written consent. E. The Manufactured Home will remain personal property until this Contract is paid in full. Unless we give you prior written oonsent, you will not allow the Manufactured Homo to beoomo u part of real estate or to otherwise lose its treatment as personal property under applicable law. F. You will pay all taxes, feM.. expenses, and assessments on the Property when duo. G. You wiD notify us of any los9 or damage to the Property. You will provFde U9 reasonabfe access to tho ProPerty for the purpose of inspection. DEFAULT: You will be in default on this Contract if any one of the following ooours (except as prohibited by law}: . A. You fall to make a payment when it is due. B. You fall to perform any obligation that you have undertsken In this Contract (which includes doing something you have agreed not to do). If you default, you agree to pay our reasonable attorneys' fees, beginning with the commen<::emant of legal action, and up to $50 incurred after the NOTICE OF DEFAULT and before oommencement of 8 legal actfon (as providEKf in Po. Stat. Ann. tit. 69 ! 623) and fees for repossesBJon, repair, storage, and sale of the Property securIng this Contract. If an event of default occurs as to anyone of you, we may exercise our remedies against any or all of you. NOTICE OF DEFAULT: If you are In default, we will send you a Notice of Default and Notioe of Right to Cure Default ("Notice") when required by law. The Notice will explain why you are in default and how you can oure it. We will not accelerate tho unpaid balance of this Contraot, repossess or foreclose on any Property until after we send you the Notrce and any cure period it describes has passed. We may not be required to send you 8 Notice If 11' you have abandon9d the Manufactured Home, (2) you reoelved two Notices In the prIor one-year period, or (3) other extromo circumstanoes BXist. ... 1V"" II....... Sy.I_m.. IN.. 91:. Claud. MN Fa"" MSIMHLAZ.,.A .r.z2IOS After repossession you may have additional (but limited) rights under Pa. Stat. Ann. tit. 69 ~ 623 to reinstate this Contract any time up to the date of tronsfer of title to the Manufactured Home, by paying the Inst~rrments in default without acceleration, plus any other obligation which you have not fulfilled, without aoceler~tion, plus our costs and foos allowed by the law cited. REMEDIES: If you ore In default on thIs Contract, we have all of the remedies provided by law, this Contract, end any separate personal property SOClBlty agreement, roal ostate mortgage, or deed of trust. Before using a remedy, we will send you any notice and welt for any cure period that the law may require for that remedy. Our remedfes include the following: A. We may require you to Immediately pay Us, subJect to any refund required by laWI the entire principoQl balanoe, plus eumed interest and all other agreed charges. B. We may, but are not required to, pay taxos, fees, expenses, QSses:sments, or other liens or mak.e repairs to tho Property jf you have not done so. Any amount we pay will be odded to the amount you owe us and will be due Inlmediately. Thill' amount will earn interest from the date paid at tho r(lte(s) desorlbod in the PROMISE TO PAY AND PAYMENT TERMS section. We may require that you establish nnd fund an esorow accollnt if one 18 not already required. C. We m8Y require you to make the Property 8Vailable to us at a placo we designate that is reasonably convenient to you and us. D:We may Immediately take posseqlon of the Property by legal process or self-help, if we do 80 lawfully, We may then sell the Property and apply what we .t6ceive to our reasonable expenses and then toward your obligatlQns, as allowed by law. E. Except when prohibited by law, we may sue you for t1dditfonal amounts if the sale proceeds do not pay all you owe us. P8ragraphs C. and D. (abovo) apply onJy to personal property security interests. If this Comract is socured by a mortgage or deed of trust, then the foreclosure of such interest may impose other duties and Irmitatlons on our rights and remedies, as provided by law and the mortgage or deed of trust. By ohoosing eny onl'} or mora of these remedies, We do not.welve our right to later use another remedy. If we do not:'aot on an event of default. wo do not give up our right to later treat that type of ev'ern as II default. You agree that if any notice is required to be given to you of an intended sale or transfer of the Property, notlco Is reasonable If mailed to your last known addross, as renected in our records, at least 10 days before the date of the Intended 9ale or transfer (or such othor period of time as Is required by 'aw). When real estate Is the security, other rules: may apply. You agree that, subject to your right to reoover such property, we may take possession of personal property left in or on the Proporty securing this Contract and taken Into possession as provided above. If the U.S. Department of Housing and Urban Development inSures this Contraot under its Title 1 Property Improvement and Manufectured Home Regulations. our right to make you payoff thIs ent/ro ~.c, i. subjec' '0 t~.lim~.t1ons of those regUlation.. ..Q.~ __ (~.3of6J I INSURANCE: You 8t"88 to buy inSllranae on "the Property with the types ~lInd amounts of coverage Indioated in the PROPERTY INSURANCE sectIon, or 8S We otherwise require. You must name lIS a9 loss peyeo on my such policy. In the went of loss or damage to the Property, we may require additromd security or assuranoes of . payment before we allow Insurance proQeeds to be used to repair or replaoe th~ Property. If hSlIanoe prooeeds paid to us do not payoff this Contract, you <<8 responsible for the balanoe. You will keep the lnsU'ance In effflct untD this Contraot Is paid In full. If the premium for property insuranoe is included in the Amount Financed and the Insur~noe Is canceled or tennlnated before this Contract Is paid in full. then you agree to give us any promium refund or rebate that you rvceJvo. We wDl crodlt the refund or rebate to the amount you owe us. We may, at our option. allow you to UGO the refund or rebate to holp pay for replacement insurancC' that you purchase. If you do not k.eep these promises, we may buy insurance to protoct our ~terest rn the Property. The Insurance we buy may hclude coverages beyond those we reQUire you to buy and may be from a company you might not ohoose. The rato we pay may be higher than a rate you mIght have to pay if you buy it yourself. We will add the premium for this lnsura.nce to the amount you owe us. Any--smount we pay will be due immodlately. This amount wnl e8rn Interest from the date paid at the applicable oontract rate{s). OBLIGATIONS' INDEPENDENT: Each of you who signs this Contract is ndepeB:fently responsible to pay it and to keep the other promises made in this Contraot. This Is true oven if: A. SOl11eone else has also signed It. B. We raleesa or do not try to oollect from another who is also responsiblE' to pay this Contract. C. We release any socurity or do not try to take baok any Propeny. D. We give up any other rights we may have. E. We 8Xtend new credit or renew this Contraot. WARRANTIES: Y'!e will provide any warranty information to you scparetely. WAIVER: Tottle extent permitted by la.w. you egn.etQ gI.,. up your rights to require us to do oertaln things. You do not glvo up any rf~t. that are provJded In this Contract rfor example. ... the NOTICE OF DEFAULT secrtlonJ. Unless the law or tltls Contract provide od"wwl... we .. not required to: (1) demand payment of tII1\OUIlte: due: (2) give notice that arnOllnte due have not been paid, or hllve not beon paid In the approprlilte amount. time.. or manner; or. (31 give notice that woe. k\tend'to meke. or 1lIr& nlldoog. thh, Contract Immediately due. NOTICE OF PROPOSED INSURANCE: If so indicated on page 1 of this Contract.. orec:frt lifo k1sLranco coverage and/or credit acoidellt and health insur8nce coverage will apply to thIs Corttroot. The nSLFance company named on page 1 of this Conttact will write the inwrsnce. Tho insurance covers only the person(s) signing the request for Insuranoe. The oharge for each type of credit 1ns\Jl"8noe to be purchased Is as indfcated on page 1 of this Contract. The term of insuranco will begin as of tho dete of this Contract and win and on the original due date of this ContrBOt. Sub;ect to aoceptance by the insurance oompany and within 30 days, a certificate of insurance wnl be given to the insured. If this Contract Is prepaid before: it Is clue, a refund of insurance charges will be made when due. . 1998 BlInl:1O... Sy.tom', Ira., st. Clot<<t. MN Form ~8stMHLAZ-f'A 8/22/88 I L____ Ss NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. NOTICE TO BUYER Do not sign this Contraot in blank. You ere entitled to an exaGt copy of the contract you sign. Keep it to protect your legal rights. :uy~ rn ~~ ~ ~ x ~~ Signature ?llI/rib o'at. '11 ).\100 Date x Signature Oat. x SlW\8;tUrQ Date I A~~O;~EDGE RECEIPT OF A COPY OF T~;~~CT: n -, 12....J;,_.. d X~Vl-1~A~ ~~ SELL~ SI,GN~I'lj''''' X y,/lJK "t6 ~:) N8me and Title l ROCK HOMES INC /l~ DIsbur88lJlent Date: N/A (ThIs date Is for Title 1 HUe Insurance purposes and may' be. completed after the ContrDCt I. signed to reflect the aC'bJal disbursement date, and nat ..y utfmated dI.bursement dme. It may appear only on the 0I1gln1ll,!.W"'.1 .',' (p/I~411f6J 1- 56 ASSIGNMENT BY SELLER Seller sells and assigns this Rotaillnstallment Contract on 1 I. , l.,.. " r)" 0 to FlRS7MFRTT BANK. N.A.. 111 GLAMORGAN ST. AlLIANCE. OH 44601 theA$sv.ee,itssuccessors and assigns, all its rights, title and interest In this Ccmtraot, ~"d any guarantee executed in connection with this Contract. THIS ASSIGNMBVT IS MADE: 0 UNDER THE TalMS OF A SEPARATE AGREEMBVT, IllI PURSUANT TO THE FOLLOWING TERMS. Seller gives Assignee fun power, elt:her n its own namCll or" Seller's namu.. to take allleg'l or other actions whioh Seller could have taken under this Contract. Seller warrants: A. This Contract represents a sale by Sellar to Buy<< on a time price basis and not on 8 cash bas",,; B. The statements contained in this Contract are true and oorrect; C. Tho down payment was made by the Buyer in the manner stated on page 1 and no part of the down payment was loaned or paid to tM Bu)'8r by Seller or SeUer's representatives; D. ThIs sale was completed in accordance wathell applicable federal and state laws and regulatrons; E. Thts Contraot is valid and enforceable In accordance with its terms; f. The names and signatures on this Contract are not forged, fictitious or assumed, and are true and correct; G. This Contract is not subjeot to any olaims or defenses on the part of the Buyer; H. A completely filled-in oop'f of ttlis Contract was deiivered to the 8uyer at th6 tlme of ex.ecutlon; and I. The Property has been delivered to the Buyer In good condition and has been accepted by Buyer_ If any of these warranties is breached or untrue, Seller will. L;lon A8s:lgIee's demand, purchase this Contraot from Assignee. The purchase ShaD be h oash in the amount of the unpaid balance (lnoluding interest) plus the cost and expenses of Assignee, including ettorneys' fees. Seller will indemnify Assignee for eny 1088 sustahed by it because of Judicial $ot-off or as the result of a recovery made against Assignee as a result of a claim or defense Buyer has agelmrt Sell<<. Seller Wol!lltves notice of the acceptance of this assignment. notice of non-payment or non-performanCC!l and notice of any other remedies available to Assignee. Assignee may, without notlce to Seller, and without affecting the liability of Seller under this assignment, compound or release any rights agairntt, and grant extensions of time for peymont to bit made, to Buyer and any other person obligated under this Contract. UNLESS INDICATED BY CHECKING THE BOX BELOW. THIS ASSIGNMENT IS WITHOUT RECOURSE. .~~ - o WITH RECOURSE: Seller agrees that if the Buyer defaults on any Obligatlo~ "of payment or performance under this Contract, Seller will, upon demand, repurchase this Contract for the amount of the UI1pefd balance, irloluding finBllCG chaf96s, duo 8t that time. Seller: Mg~;ES~_ J , , fI ,,' BV: Title: fJW) ~t~t;l' ;t'il' ~'. , ,. o 1998 ElIInUlW Dy..ml" Ira.. 81. Clal.ld" MN farmllSSlMHlAZOPA 1/1.2/a8 !/Wtl.lJFACl1J~ HOMES. war 1"01\. MODU\M HOIIiU fpo,p II ot61 -----.._~_.__.,.._._-"_._----._---._.._-- Exhibit "B" 1 .j., ~ .;. Certifi.d n.ilt: -r I . 7qp~-~1~Or0001-01l8-684~ , : l ~__~ 11129/0~ "nderlllll MORTGAGE AND FINANCE INC. 500 ALCOA TRAIL, MARYVILLE, TN 37804 (800) 970-7250 I RODERTA OETH ESERTS 62 TIffAHV DR S~JPPEHSSUR~ PA 17257 R.: Acc.untl: '21"7 R.: S.ri.1 0 CVl5'12A9 Contr.ct Date: B/OI/00 Notic. Expiration D.te: 1/13/06 D.f.ult A.ount: G 7'~.2B nOTICE or InTEnTIOn TO ACCELERATE, CORREIltE LEGAL ACTION, DR REPOSUSS D.ar ROSERTA OETN EOERTS '''",; PLEAU BE ADVISED THAT THIS LEITER COnSTITUTES NElTllfll A DERAllD FUR PAynDlT Dr THE CAPTIOIEO DEBT HUR Q nOTICE Dr PERSDRAL LIABILITY TO AIY BECIPItUT HERIDF UHD nIGHT HAUE RECEIutD A DISCHARGE Dr SUCH DEBT IH 8CtIlRDtIICE UITa APPLICA8I.E 8lInUUPTCY LAUS OR UBD nIGHT BE SUIlJECT TO THE AUTOnAITC STAY Dr $[CTIDH 362 or THE UIlITED STATES 8AlIIIlUPTCY tIlDE. THIS LETTER It BEIIIG SDlT TO AllY SUCH PASTIlS REBELY TO CDIlPLY unH APPlICABLE STATE LAII GOUEIllm rOKECUlSURE or LEl\IS PUlSUtlRT TO tfIIlTlAtTUAL RIGHTS. DRIEr DESCRIPTION Dr CREDIT TRANSACTION: The co.Er.ct dated as .h..., for tbe purch.se of . 00 .,nuhctured ho.,. . Vou are no. in d,f,ult of this credit tr....ctio.. You b.ue . right to c.rrect tbis defici~lthln fort,-flue (45) d.,s fro~ the post.,rk.d d.t, of this notice. If gou correct tho def.ult ,ou ..y co.t,nu. .ith the contr,ct ., th.u,h y.u did not d.f.ult. Your d.f.u1t co.sists .f your t..1ur. to ..k, ..nthly p.y...t. b'ginnlng .ith tb. 10/01/0~ pay.e.t, .nd the e..ui.g ...tblg p.y.ent., CURE Of DEfAULT: Uithi. forty-fi.. (45) d.y. fro. tbe p..t..rked d.t. of tbis n.tic. .r b.for. tb. d.te .. .bicb .. tr,nsf.r title t. your ..nuf.ctured h..e, .hicbe..r i. l.ter y.u ..g cure your d.f.ult by bg '~ing V.nderbilt . cashi.r. ch.ck or noneg ordor for tho a.ount staioa .h.... Thi. ..ou.t con.i.t, b of PlSt duo pay.onts -!l.c1udiny priaolpal, inter..t ..d escrow require..nts .t e)qif, ~l', s2.J, no I f us hte chrgE'5 $ I plus Ullrei"bu~' Idvanc.s for insurance coYer(ig'~1 1(e5 ii'FO'ffir exp"'" r.qulr.d of you u. or your c.ntract S , 1... u.appli.d fund. S ?-<;~'''''1 CREDITORS RIGNTS: If you d. not c.rr.ct your def.ult in the ti.e a110..d, .. .,y e.erci.. .ur rights again.t you u.der the 1.. by .ccel.r.ting the ..turity .f tho debt ..id.nc.d bg the contr.ct, and the p.g.,e.t-of .11 a.ounhdu, uader tbe c.ntraot .ill b. r.quired forty fiu. (4~) d.y. Fro. the date of this ,ofi.., Ue will take po",s'l.n of the .anuf..tured ho.. .itbout judicl.l proc... if this ca. be do.o J~lul1y and .ithout br.aoh of the poaoe .r fil. l.g.l proc.edl.g. to take po..ossi.n .f ,our .a.uf.ctured ho." .h.u1d 1.ga1 acti.n b. ,......rg. u. .ill ..11 the ..nuf.ctured ho.. .t either publiC or pri..te ..le .h.n .. h.u. It in our ,o..e..ion, Uo .i11 account to you for .ny surplus and g.u .il1 be llab1. for any defici.ocy, Ue .ill r.port your def.ult to .. appropriate r.porting agoncy if you d.fault p.r'l.t.. REOE~PTIOH RIGHTS: If gcu do not .ur. your d.f.ult 10 the ti.e a110..d arid we r.p....s. th. ..nufactured bo.. .t ang ti.. b.For. .. b.v. dl.pos.d of .r e.t.r.d Into . contr.ct for the di.po.itl.. of the ...ul.ctur.a hon., you b... the right to r.d... tb. .anufaotur.d ho.o hy t.nding fulfill.ont of .11 obligations securrd by the nlftUflctured hone to us is uell as the reasonable expenses (acurre. by us in r.taki.g, holdi.g ..d prop.rloy the bo.o for di.p..itio., i. .rra.gi.y for tbe .al., ..d t. the .xt.nt prouid.d in the contract and not prohibited bg 1.., .ur r...on.bl. .tt.r..y fee. ano ley.l ..p.ns.s. If you bav. .ny qu.stion. f..1 free to call.. at tbe .bo.. nunb.r or .rite to tbe .bo.. .ddr..s. If this d.f.ult ... cau.ed by your failure to nak. p.y..nt<.), and guu ..nt to pay by .ail, pl.... ..nd a check or noney order; 00 oat send cash., -. Si Rcere1y I BRANDON COOPER Cr.dit ~...g.r CC 1 fR0114 L TRl1' 4~7 '. t J:l\Rs t;. 0,) 1 r C.rtified n.ilO: 700S-1160-0001-01l8-68l8 .\ 11129105 18nde,lIllt MORTGAGE AND FINANCE INC. 500 ALCOA TRAIL, MARYVILLE. TN 37804 (800) 970-7250 R.: Accoultl: 921997 R.: Seri.l I CVl5912A8 COltr.ct o.t.: 8/01/00 Notic. E.pir.tiol D.t.: 1/1l/06 Def.ult Anoult: 9 795.28 HUnCE Dr UTEIITIDI TO Il:tELEIlATE. CIIIIllElltt LEelL ICTIDI, DR REPUSSESS De.r SCUTT n EDERTS PLEASE BE ADVISED TIIIT TBIS LETTER CmTITUTES IEITIER I DOIIIID FOR l'll'lll[NT Dr TII[ CII'TDllED DEBT BIIR I IIlITItt Dr PERSlIIllL LIIBIUTY TU IIY IEtIPIDT HEIEIIF IlHU IIlCIIT HIVI: IlEttlUED I DntlllIICE Dr SUCH DEBT III leClllllaltt IIflI IPPLItaDI.[ DARRIIPTCY UlIIS UI IHU IIICIIT BE SDUCT TU THE lIlITIIIIITIC STIY Dr SECTIUlI H2 UF THE UHITED STITES 8IIIIIlUPTCY CnoE: THIS lETlER IS BEDe SElT TU lIlT Sotl 'IITIES IlERELY TU eDJIPLY UITH APPUCA8lE STATE LAU ClJV[IlRIIII: FlllECLUSURE Dr LEDS PlIISOAIIT TO CUlTlACTUAI. IUITS. scon n [8ER IS 62 TIFFANV DR SHIPPEHSDURG PA 17257 DRIEF DESCRIPTION OF CREDIT TRANSACTIOH: T~. cootr.ct d.t.d .. .boul, for tb. purcb... of . DO ...uF.ctured bo.., Vou .r. nON il d.f.ult of tbis cr.dit tr,"s.ction. Vou b.ue . rigbt to correct tbl. d.fi.I.Dcy ulthiD forty-fiu. (4S) d.y. fro. tho postn.rked d.t. of this ootic.. If you .orr..t the def.ult iOU "y conti Rue uith th. contr.ct .s thougb ,DU did not d.flult. VDur d.f.ult cOI.ists of your 1.llor. to n.k. nODtbly p.gn.nts b.ginnllg uitb t~o 10/01/05 p.ynent, .nd tho ensuing nonthly p.gn'Dt., CURE OF DEFAULT: Ulthl. forty-five <4S) d.g. fron tb. pootnark.d dat. of tblo notie. or b.for. tho dat. on Nbieh ue transfer title to ynur naluf.ctur.d bon., ubicbev.r I. lat.r gou n.g cur. your default by bg s.nding U.nderbilt . c.sbi.rs ch.ck or nOD', ord.r for tbo .nount .t.l.i aboue. Tbl. anouDt con.i~t. DF ~ p..t due p.gn.nt. iDcludlng princip.l, int.r..t ..d ..erou r.quir.nent. .t Intf,.~,5~~ eilc~jIus lite charges S tf I plus unr,j~Sld ldyUClS For AllUrlnCe cOlleTiles, tnes Oi'Offir ..p..... r.quired of IOU u.a. your co.tract 5 , 1... unapplied fUld. 5 ')~,'l!l. \ CREDITORS RIGNTS: If you do .ot corr.ct'lour d.f.ult I. the tine .llouel, u. n.g ..irci.. our right. ag.in.t you und.r tbe 1.. bg .ceelerati.g the n.turity of the debt .vid.oc.d by the contract, ..d the p.gnent of .11 .nount. due u.d.r the contr.ct uill he requir.d Fortg five (45) dag. fron the d.t. of this notice. U. uill t.k. po..e..ion of tbe na.uflctur.d hone uithout judici.l proo... if this c.. h. done liuFully .nd uithout bre.ch of the p..c. or file l.g.l proceeding. to t.k. po.....ion of gour n.nufictur.d bon. should l.g.l iction h. ..c....ry, U. Nill ..11 tho na.uf..tured hone .t .ith.r publi. or priv.te ..1. Nh.n ue h.ve it in our ,o.....ion. U. uill .ooount to gou for i.y .urplu. .od you uill h. li.bl. for .ny d.flci.ncg. U. uill r.,.rt your d.f,ult to .n .pprDpriit. r.porting ag.Deg if you d.f.ult per.i.t., REDEnPTIOH RIGNTS: If ycu do DOt cure gcur d.hult In the tine .11ouod a.d .. ..fo..... .th. n"ufactur.d hon. at .ny tin. b.for. u. b,v. di.po..d of or ..tered ilt. . eo.tr.ct for tb. d .po.itioo of tbe' n.nul..tured hon., gou hiV. the rigbt to rod.on tbe nanuf.ctur.d bono by tending fulfilln.nt .f .11 ohlig.tio.. ..cured by the n.nuf.ctur.d bono to us .. uell .s tbe re..onabl. e.,.n..s I.curr.' hg u. ic retaking, boldlng .nd preparing tbe bon. for dlspo.itlon, io ,rr.c,ing for tbe ..1.1 .nd to th. ..t.nt provid.d in the cODtr..t .nd not probibit.d by 1.., our re..o..ble .ttor..y f... al l.,al ..p...e., IF gou b.v. .ny qu.stion. f..l fr.. to ..11 n. .t the abov. nunh.r or urit. to the .hov. .ddri...' If thl. d.f.ult u.. ..u..d bl gour f.llure. to ".ke p.ynent<s), .., you u..t to p.y hy nill, ple... ..nd 1, chick or noney order; Do not send Clsh. liQcere1y, BRQNDOH COOprR Cr.di t n...gor cc 1 FRD1l4 LTR119 456 Exhibit "c" , o (j) tD en ~ 00 00 w , l_ 'MH~::i;'f!:ii:!t1~1tl \~~i]-:I '!l~,~~i~~~J;'ijf;~ij'fitifuiU)~!:~ iji~~il'::;j:>Djjj;,j~~'~i>'t . .,]:iiJ; 4~~B6~lTVPE"'!."."" .....!t.~,.w.".1 RRS~AT}'~~''''!':'::~~!~~T~~~:~T~~i(~t''''''~'~~~r!~9C~'{~~ 'l'.?;i~~~:!'i::Si~';: ';. , CD 1.1 sTAull' "..:...~: :i;ii'j;;'~;'H{j:::!!I:::!.f.l:';i;;'I;j'~riti~~:"I!;:!,:i<!tZl~~i'f~~:tj:;;t;]~"~~'!~~]~I:E,!~:i~~ff~i;'jl.1:t~~~(:,:~::~~i:;g:! . "Yo~~rp..r(rii~if.'> '1"~'~fOF'r:~~E - ......... '''''UNLA!)~~.~;EiGtIt.. ,"" ._.~ ""GV\~R"'" "~.:. , "'....":.~.GC'N~' ..~~ "h_ ':-1- . ", "'TiTLE' i~~;~Di~~""::---"I: ....:;;... ,I" .' . .... ,.., '",--:~..,.:::;"~".~~)",,,:;:-:.t~~ _ . ~ " _,- cac....'~~~ sr,(~& :~ ~;; ~'" ," ':; l'-",O'J~~'~IU;.o.QE" ,.J,.;.'....._ . .....~ . ' ...."""" "'1A'~E~OE-=l(C;EEilS~:.:jE:,'::ctUN:C~L'~ .!"":':"f-......:~.,.:-' .......;'~~.r . ~~t'.~~ ,..' - , ........ .~'.=.,.~.i~,.~ i:;~~14l;~d-r~;p/t~:~~ ~~;;~;: .;.;: .. ......,..-f"'\ :i.'4O"1'n,cACTCI~t~:~E'O::\IIl':'Ei\. ~ '~ "~":~ -:-~~PEPrr>lG,,\"~'1,r<e~"" '..::.~,~" OOOMETE. R..O~~~L,O~.lI'RE'I\' ~r ~.._" ,'Kll.of,' ERAL 'LA't ""'''i.."..,,,,,,,.,;t,,,'.,j"''~1 "a''''''a_~1 .' '1 .;~-.;#;,'-~, ,,' "''' ,.,":,;;"i~~". S C.. o.rr~~~.;M~~ 6"~" '1 E ~.T A ~:r ~,. .'b;111. t, ~l~ ~n'l~t~ ~~ ____ b : ~~~:;;~~~';~~'OLE :'''',"-V I-!' .'/4f:.-:l< ,. -~. ..._~~:;..... ._~_,.tUT~FW'J~1 , ~:.~.. ii EBERTS.': _'~;; ';' ',,:,::'" ,~t- o~ L ~~~.)..!l-'''''' .:t.1i~ GF~:~;~~;~F3",'~fll~fl."':~:." be! TIFFANY '. .... :...,-::' 'j.,'t.~~.,~~~' ~ .,.... .;;; ~~.~g:~~~~~~~~.cu;.':~: SH1PPENS8UR-..'C' P' 17"57 .-. ..-. .. ,.",,,,,,"'C.,,.,,,,,-_... A Co ... 'p.~REc'lmRLC-Eil.~ ..-..... _~.,., "\"" .,... S..ff"~!:Il"",:I';,.~' .,,-~,,(.,_..,:',:).~fi~'/ ..,;~. ;,i;%'i~~'Y:t~~1"i. Sec:CN~LI~r.FAVCi\OF: : ~~-:;~l I. LI$"\'IMA AJ(I:. . ... '.j MERtL!JA~:~ NA .. "'__:. ,::.'. !.:~ .' .,~~~:~~~;.~~~~:*~h;n "" ,~I:"""'-~.T~":, 1~ ~.LlI~ll'ld :lO,nl'.o:dlr h 181901 u~n 1I:'..nc1~~;' :~~:"ihi~:Iif:'~ '-' ~ ....:..;..1, ::.&:\~ldDr,:':I~.t 1s>~1\rd I'Jb T1::,_!'f:~'1.~..ev~~ oi ~*, ;~lI~I:lM'...W'-'!1~" AJ~": ":::~'''''::'w'n'' H O:'~ ;l;~;r:~:::::";:~ ,::::~, .' ;1":")~6~~~:;~~' !~:~!~M ::::t" ~..: ';.~:[il\' ...'.'._.... ...;,." - '~;;::n.';: ';~~ i;l~:I'.:-' ,'.1'1: ._.:.:.... :,,::,:"41 . - "0, _ "f~~":~' @~A@L ~RT.. - . S,tC!~.ii llf ~'l:yni:Jl.,?~!!,_t~~ '-- ~. -/,. , 'T""'" . ~". .~~~:r ~.; ='71/ ',"'. .- .-. . "'-' ',~ '" "'-""'. <;,.; ~~/ .' ...., :l~:" 1STlIEN'iou;~R -::(;f.. .'N ~i::!:.r~\'.:':' '!' " ~}:,~ r~~l>;.~,:, '. -',' '~ FI:-.JMj:::\..~iriT1Tu-;10NNUtf.B::R. 2l'b~IENO^T!:. .....,.I!"NO ~lE1'l.C'1EC.l':" .1.,'" ._ ..;~~':~~~~~ t~~.. .~~:::&(~,~ ...... :.~..~~~.':'...~:::-=-:.:":.~,':"~~c:~~~~.;~J~: " ,'., 'HI'c'. '~...,..'O~ 2N~UE~"'OLDE"I ,\~.;. "'" . ~ ,.c.l'~~ ......:. STF\~aT SIll'~1'..:"" C~ ""'P""C~:.~ 0'1 .~~'P.'.oPJZ!:;' e'3l-E'I .." ."iit'..<"" ,-.. '1 CITY Ii '., """.,:;r;'::.':t"t:;:~" ; . 50 : -~; .j ;':~@~';} :~>: '..: I l',.'';';j:':lh '.".' - '. 1.;':'L\t~;r~r.:L.. ';" t. >:. I " .;'. I! .'." ..,.. t..';:',',. ,;J~;i~Y.\'" :.,.:,;;,,;:.,.1 :, -.)!;ti:;i.:~~'.'~' . .....:.. ", ~ '::~~tf:t.;;;;j[;Jt' .~::~:;::~~~~;\.r:,' ..".. ;,:.:!ji!l~;i(;':~: . .<\:s~., .::' 'f;, .-.". ;,r. ,'t.- !., "~I' .:.1' .., '1'.,.. .<.' ..:; .... \ '. .;.i ,. (' !i .," :{. J 1-st - ::J:: -::t \) \fl VI W ""Q; ~ \J ~ \n Y\ ~ ~ r- ~ ~ n .... ;~ Q ,~ ~.~- (, ~, ., ,..'" . Richard M. Squire & Associates, LLC By: Richard M, Squire, Esquire M. Troy Freedman, Esquire ill. Nos. 04267 / 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown,Pal9046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, v. Scott M, Eberts 62 Tiffany Road Shippensburg, PA 17257 and Roberta Eberts alk/a Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, DEFENDANTS Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO, 06-1374 CIVIL ACTION ASSUMPSITIREPLEVIN PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against Scott Eberts and Robert Eberts, Defendants for their failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and Sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in the Complaint Interest from 3/3/2006 to 5/8/2006 TOTAL $60,357.38 $ 1.071.57 $61,428,95 I hereby certifY that (1) the addresses of the Plaintiff and Defendants are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached, DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE: (Yl';h, J:J. :J.Dob f ' I F:\Clients\ Vanderbilt\Eberts~udgment. wpdSG ~~L~~9j Richard M. Squire, EsqUIre Attorney for Plaintiff Richard M, Squire & Associates, LLC By: Richard M, Squire, Esquire M, Troy Freedman, Esquire ID, Nos, 04267 /85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown,Pal9046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Vanderbilt Mortgage and Finance, Inc" Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF, v, Scott M, Eberts 62 Tiffany Road Shippensburg, P A 17257 DOCKET NO, 06-1374 CIVIL ACTION and ASSUMPSIT /REPLEVIN Roberta Eberts aIkIa Roberta Beth Eberts 236 Bullshead Road Newville,PA 17241, DEFENDANTS VERIFICATION OF NON-MILITARY SERVICE Richard M, Squire, Esquire, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the Defendants not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended, (b) that Defendants Scott Eberts and Robert Eberts are over 18 years of age and reside at 62 Tiffany Road, Shippensburg, P A 17257, This statement is made subject to the penalties of 18 Pa, C,S, Section 4904 relating to unsworn falsification to authorities, F:\Clients\ Vanderbilt\Eberts\judgment.wpdSG Office of the PROTHONOTARY Cumberland County 1 Courthouse Square Carlisle, PAA 17013-33&7 717-240-6195 Date Vanderbilt Mortgage and Finance, mc" PLAlNTIFF, v, Scott M, Eberts 62 Tiffany Road Shippensburg, P A 17257 and Roberta Eberts aIkIa Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, DEFENDANTS NOTICE TO: Roberta Eberts aIkIa Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241 Pursuant to requirements of Pennsylvania Rules of Civil Procedure, Rule 236, notice is hereby given that on /Y/'a'( I;;J, ;)..Ob)." ajudgment(decree)(order) was entered against you in this office in the I proceeding as indicated above, t~ Deputy Prothonotary Date Mailed: F:\Clients\Vanderbilt\Eberts\judgment. wpdSG Office of the PROTHONOTARY Cumberland County 1 Courthouse Square Carlisle, PAA 17013-3387 717-240-6195 Date Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, v, Scott M, Eberts 62 Tiffany Road Shippensburg, PAl 7257 and Roberta Eberts aJk/a Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, DEFENDANTS NOTICE TO: Scott Eberts 62 Tiffany Road Shippensburg,PA 17257 Pursuant to requirements of Pennsylvania Rules of Civil Procedure, Rule 236, notice is hereby given that on fY?::J." IJ. d rot... , ajudgment(decree)(order) was entered against you in this office in the , I proceeding as indicated above, ~1 Deputy Prothonotary Date Mailed: F:\CIients\Vanderbilt\Eberts\judgment.wpdSG Richard M. Squire & Associates, LLC By: Richard M, Squire, Esquire M, Troy Freedman, Esquire ID, Nos, 04267/85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, Pa 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Attorneys for Plaintiff Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. Scott M, Eberts 62 Tiffany Road Shippensburg, PA 17257 and Roberta Eberts a/k/a Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, DOCKET NO. 06-1374 CIVIL ACTION ASSUMPSITIREPLEVIN DEFENDANTS TO: Roberta Eberts aIkIa Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241 DATE OF NOTICE: April 26. 2006 THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you, Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once, If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Lawyer Referral Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 717-249-3166 and 800-990-9108 F:\Clients\VanderbiltlEbertsIlO day.wpdlSG . ' Richard M, Squire & Associates, LLC By: Richard M. Squire, Esquire M, Troy Freedman, Esquire ID. Nos. 04267/85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, Pa 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Attorneys for Plaintiff PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Vanderbilt Mortgage and Finance, Inc" v, Scott M. Eberts 62 Tiffany Road Shippensburg, PA 17257 and Roberta Eberts aIkIa Roberta Beth Eberts 236 Bullshead Road Newville, PA 17241, DOCKET NO. 06-1374 CIVIL ACTION ASSUMPSITIREPLEVIN DEFENDANTS TO: Scott Eberts 62 Tiffany Road Shippensburg P A 17257 DATE OF NOTICE: ABril 26. 2006 THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you, Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights, You should take this notice to a lawyer at once, If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Lawyer Referral Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 717-249-3166 and 800-990-9108 F:\ClientsWanderbilt\Eberts\lO day.wpd\SG ", ,.. (:j -ts. C /...J 1 ~ ~ 0 ~ C> - Z (") ...., ~ R -- -0 = ~. s = :S C7'o ~ p.: 5.._ ::J!:: :r.." LJCT n':r J:.,- m~ ;;"":': -< ~ "';::> ~ 2.: f :g .....a (l) N ':J fl.S ...... & r"' :_<~? -,- . -. ~~c.; -0 ." .l1 r---.. -r-. :x 9C) ~ ~ r c~~'C) Om ..........., ,)..~(~- W ~ 2: r--- :2 "-< SHERIFF'S RETURN - REGULAR J CASE NO: 2006-01374 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND VANDERBILT MORTGAGE AND FINANC VS EBERTS SCOTT M ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon EBERTS ROBERTA AKA ROBERTA BETH EBERTS the DEFENDANT , at 1842:00 HOURS, on the 21st day of March , 2006 at 236 BULLS HEAD ROAD NEWVILLE, PA 17241 by handing to ROBERTA BETH EBERTS SHENK a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof, Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 21.12 .00 10.00 .00 37,12 So Answers: ?'~~.,<~ R. Thomas Kline 04/19/2006 RICHARD SQUIRE ~ fl~ day of .;1."0<- A.D. Sworn and Subscribed to before By: me this Prothonotary SHERIFF'S RETURN - OUT OF COUNTY . CASE NO: 2006-01374 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND VANDERBILT MORTGAGE AND FINANC VS EBERTS SCOTT M ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: EBERTS SCOTT M but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of FRANKLIN County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On April 19th , 2006 , this office was in receipt of the attached return from FRANKLIN Sheriff's Costs: Docketing Out of County Surcharge Dep Franklin Co Postage 18.00 9.00 10.00 49.20 ,78 86,98 04/19/2006 RICHARD SQUIRE ;~~ R. - homas Kline Sheriff of Cumberland County Sworn and subscribed to before me .10 7'/.t......, this 17~ day of. .r ~oo(, A. D. Prothonotary . . .In The Court of Common Pleas of Cumberland County, Pennsylvania , Vanderbilt Mortgage and Finance Inc VS. Scott M. Eberts \ No. 06-1374 civil Now, March 16. 2006 , I, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Franklin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. .. r~...*'<:~ Sheriff of Cumberland County, PA Affidavit of Service Now, 3t sr /J1 f/-It u! , 20 o~ , at 5:# o'clock fJ M, served the within ~ {'J1.v.f ~ ~.m.~ .{P.;l I~ ~ by handing to ~ ~-t- W-o~ ~ at ~o.,.J..~( (J,4 f1~.s-7 upon a copy of the original ~~~ and made lmown to the contents thereof. So answers, ~, ~4~ ~ . ~'-!J;." 0.0,:' r Swb'rn and &.ubSCribe~efOre methis /1- dayof~ , U-LL -~ County, PA , cIkf. She COSTS SERVICE MILEAGE AFFIDAVIT $ 20 /)~ '- . .- IIijIlordQ.~,~Publlc Clwo....... _, F_ County _Ct.4~II"r ,:"19pkeaJan.29,2OC7 --- $ '11, ~